BlastPoint's Credit Union Scorecard

TVA COMMUNITY CREDIT UNION

Charter #68559 · AL

1069 CUs in 100M-500M nationally 19 in AL

TVA COMMUNITY CREDIT UNION has 7 strengths but faces 2 concerns

National Analysis

How does the industry compare?
AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 61.8% in tier
  • + Organic Growth Leader: Top 91.3% in tier
  • + ROA 0.47% above tier average
  • + Net Worth Ratio: Top 4.8% in tier
  • + Efficiency Ratio: Top 7.6% in tier
  • + Total Deposits: Top 8.0% in tier
  • + Total Assets: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.7% in tier
  • - Loan-to-Share Ratio: Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 19,939
+0.8% YoY+0.1% QoQ
 +4.5K 15,437
-2.9% YoY
 27,849
-7.3% YoY
 33,374
+5.7% YoY
 76%
Assets $416.2M
+4.5% YoY+2.7% QoQ
 +$184.3M $231.9M
+1.3% YoY
 $442.6M
+8.5% YoY
 $561.6M
+9.7% YoY
 Top 8.6% in tier
Loans $162.5M
+8.4% YoY+4.8% QoQ
 +$15.1M $147.3M
-0.1% YoY
 $260.4M
+7.2% YoY
 $397.0M
+8.8% YoY
 65%
Deposits $362.0M
+1.0% YoY+2.1% QoQ
 +$161.2M $200.8M
+0.8% YoY
 $387.0M
+6.9% YoY
 $477.3M
+9.7% YoY
 Top 8.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.2%
-3.6% YoY+2.0% QoQ
 +0.5% 0.8%
+18.2% YoY
 0.7%
+32.7% YoY
 0.7%
+15.9% YoY
 81%
NIM 2.8%
+6.6% YoY+1.4% QoQ
 -0.8% 3.6%
+6.7% YoY
 3.7%
+4.6% YoY
 3.8%
+5.1% YoY
 Bottom 10.9% in tier
Efficiency Ratio 60.5%
+5.2% YoY-0.4% QoQ
 -16.5% 77.0%
-3.1% YoY
 78.3%
-5.6% YoY
 79.7%
-3.3% YoY
 Bottom 7.6% in tier
Delinquency Rate 0.3%
-37.8% YoY-18.8% QoQ
 -0.6 0.9%
+4.2% YoY
 1.7%
+25.2% YoY
 1.3%
-2.1% YoY
 Bottom 14.7% in tier
Loan To Share 44.9%
+7.3% YoY+2.7% QoQ
 -27.3% 72.2%
-1.1% YoY
 60.7%
-1.8% YoY
 67.4%
-1.7% YoY
 Bottom 6.2% in tier
AMR $26,302
+2.4% YoY+2.8% QoQ
 +$2K $24,676
+3.4% YoY
 $17,441
+4.4% YoY
 $19,687
+2.0% YoY
 69%
CD Concentration 27.5%
-1.1% YoY+0.2% QoQ
 +3.1% 24.4% 21.2% 19.8% 50%
Indirect Auto % 3.4%
-23.4% YoY-6.4% QoQ
 -10.4% 13.8% 5.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#368 of 595 • Top 61.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.23%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 3.41%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#389 of 426 • Top 91.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.77%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 3.41%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk
#22 of 135 • Bottom 15.7% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.39%
(Tier: 11.97%, National: 14.49%)
but better than tier avg
Loan-to-Share Ratio: 44.88%
(Tier: 74.08%, National: 67.44%)
worse than tier avg
135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally
↑ Growing +17 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

52
Net Worth Ratio
risk
Value: 18.39%
Peer Median: -
#52 of 1069 Top 4.8% in 100M-500M tier
82
Efficiency Ratio
profitability
Value: 60.55%
Peer Median: -
#82 of 1069 Top 7.6% in 100M-500M tier
86
Total Deposits
balance_sheet
Value: $361.97M
Peer Median: -
#86 of 1069 Top 8.0% in 100M-500M tier
92
Total Assets
balance_sheet
Value: $416.17M
Peer Median: -
#92 of 1069 Top 8.5% in 100M-500M tier
158
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Median: -
#158 of 1069 Top 14.7% in 100M-500M tier
205
Return on Assets (ROA)
profitability
Value: 1.23%
Peer Median: -
#205 of 1069 Top 19.1% in 100M-500M tier
237
Loan Growth Rate
growth
Value: 8.41%
Peer Median: -
#237 of 1069 Top 22.1% in 100M-500M tier
259
Total Members
engagement
Value: 19,939
Peer Median: -
#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1003
Loan-to-Share Ratio
balance_sheet
Value: 44.88%
Peer Median: -
#1003 of 1069 Bottom 6.3% in 100M-500M tier
953
Net Interest Margin (NIM)
profitability
Value: 2.78%
Peer Median: -
#953 of 1069 Bottom 10.9% in 100M-500M tier
831
Members Per Employee (MPE)
engagement
Value: 258.948
Peer Median: -
#831 of 1069 Bottom 22.4% in 100M-500M tier
826
Deposit Growth Rate
growth
Value: 1.02%
Peer Median: -
#826 of 1069 Bottom 22.8% in 100M-500M tier
812
First Mortgage Concentration (%)
balance_sheet
Value: 42.50%
Peer Median: -
#812 of 1069 Bottom 24.1% in 100M-500M tier
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